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在不到一年的时间里,余额宝的收益率从最初的2.7%,上涨到了最高6.2%,引起了广大投资者的极大兴趣并引发了学术界的强烈探讨。由于央行对于互联网金融的监管日益加强,余额宝的发展前景并不明朗。面对这一问题,笔者运用生物种群增长模型类比分析方法,对余额宝的发展趋势进行了推测,以期对广大投资者投资决策和监管者推出相关措施提供参考。通过笔者的研究发现,余额宝在经历了前段时间发展顶峰之后,趋势将会趋于平缓。
In less than a year, Yu’ebao’s rate of return rose from its initial 2.7% to a peak of 6.2%, arousing great interest from investors and arousing strong discussion in academia. As the central bank for Internet banking regulation increasingly strengthened, Yu-Po’s development prospects are not clear. Faced with this problem, the author uses the method of analogical analysis of biological population growth model to speculate on the development trend of Yu’ebao, in order to provide reference for investors’ decision-making and the introduction of relevant measures by regulators. According to the author’s research, after Yu treasure has experienced the peak of development some time ago, the trend will tend to be gentle.